Bristol West vs. Uaic: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Uaic offers cheaper premiums than Bristol West
• Bristol West offers more discounts than UAIC
• Uaic offers more affordable average prices for policyholders who may not have much of a commute

Bristol West vs. Uaic: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might be considering Bristol West or Uaic as potential options, but which carrier will save you the most?

Looking at nationwide averages, Uaic is about $75 per month less expensive than Bristol West.

That being said, Uaic may not be the most affordable or best option for each driver out there. Car insurance companies vary their rates depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and all sorts of other factors, so prices will change quite a bit from person to person.

So, if you want to find out which of Bristol West or Uaic is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Bristol West or Uaic: Average Car Insurance Rates by State

Bristol West and Uaic only compete against each other in Florida, where Uaic offers the cheaper average rates. For Florida residents, Uaic offers auto insurance for $337 per month on average. Bristol West's average premiums come out to be over 30% more expensive, at $451 a month.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Uaic over Bristol West.

But both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Bristol West policyholders decrease nearly 55% and Uaic's rates reduce almost 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever find.

When looking at Bristol West and Uaic specifically, which carrier is best for retired drivers? Uaic gets the edge, with prices for drivers 65 and older $98 cheaper than the national average for Bristol West.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for those who are single than they are for married couples. That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Uaic is the clear winner for single drivers, with rates around $87 per month less expensive than Bristol West, on average. The advantage for married policyholders with Uaic is also obvious, where drivers save over $55 a month.

Bristol West vs. Uaic: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to car insurance men will usually end up paying a little more.

Surprisingly, women typically pay about 0% more per month than men with Bristol West, and around 1% less with Uaic.

When it comes to the cheapest prices for each gender, Uaic offers the most affordable average premiums for both men and women. On average, women save about $77 a month and men save about $72 with Uaic compared to the average Bristol West policyholder.

Bristol West or Uaic: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Uaic typically offers slightly more affordable rates of $276 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Uaic again has the edge, with policies around $150 per month cheaper than Bristol West, on average.

Is Bristol West or Uaic Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West policyholders can expect their prices to go up an average of $100 a month if they get a ticket, while Uaic normally raises rates about $70 per month, on average.

Even so, Uaic is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 25% less expensive for drivers with clean records and 26% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in an accident can expect to see their premiums rise by just under $150, while those who have insurance through Uaic will see around a $70 increase.

Overall, the cheaper rates come from Uaic, with monthly prices averaging $326 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than a collision or ticket. Uaic drivers usually see a 43% increase in their insurance premiums after a DUI charge, while Bristol West will usually raise rates by about 13%.

If you have a DUI on your record and are looking for more affordable prices, Bristol West tends to be the much less expensive option with average rates of $390 monthly compared to $446 from Uaic.

How does Credit Score Impact Bristol West and Uaic Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the cheapest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Uaic. Drivers with "excellent" credit can save 1% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $43 or 11% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Uaic typically offers lower premiums than Bristol West when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $76 a month less with Uaic compared to Bristol West, and those with "poor" scores generally save an average of around $219 a month.

Is Bristol West or Uaic Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. Normally, the more miles you drive, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Uaic charges. However, there's a small difference in monthly rates for Bristol West, with policyholders who drive 6,000 miles every year paying about $3 less each month compared to those who drive 12,000 miles annually. Still, Uaic is the more affordable option for drivers in both categories.

Bristol West vs. Uaic: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Uaic usually comes out as the less expensive option for drivers in rural and urban areas, while Bristol West wins in suburban areas.

In urban areas, UAIC's average premiums are around 25% less than Bristol West. Drivers in suburban ZIP codes pay about 1% less with Bristol West compared to Uaic. If you live in a rural area, you can expect to save around 29% with Uaic compared to Bristol West.

Bristol West vs. Uaic Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've taken a look at all of the different discounts Bristol West and Uaic offer their customers so that you can find the company that has the most discounts and, therefore, the biggest savings.

Bristol West blows Uaic away when it comes to the sheer amount of discounts available, offering six more discounts than Uaic.

Both companies offer many of the same discounts -- like ABS discounts, discounts for being a defensive driver, discounts for being a good driver, and paid in full discounts -- but Bristol West also offers advance quote discounts, continuous insurance discounts, distant student discounts, and more that Uaic does not.

On the flip side, Uaic has a couple unique discounts of its own -- agency transfer discounts, intra-agency transfer discounts, and renewal discounts.

Final Thoughts: Is Bristol West or Uaic Best for You?

So, you've seen how different factors can affect your insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Bristol West or Uaic the right one for you and your specific needs?

Uaic might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You are over 65 years old and want to save some money on your auto insurance.

Bristol West might be best for you if...

• You have a DUI charge on your record.
• You're looking for the company with the most discounts.
• Your neighborhood is in the suburbs.

We hope this guide helps you get a good idea of the differences between Bristol West and Uaic and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Bristol West and Uaic. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Bristol West vs. Uaic FAQs

Is Bristol West or Uaic cheaper?

Looking just at the national average premiums, Uaic is the more affordable of the two carriers, offering average rates of $337 per month compared to $412 for Bristol West. That being said, Uaic won't necessarily be the most affordable carrier for every driver, since there are several different variables that come into play when it comes to your auto insurance bill.

Who is better, Bristol West or Uaic?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like. For example, Bristol West offers cheaper prices for drivers with a recent DUI, while Uaic is less expensive for drivers with excellent credit.

Why do Bristol West and Uaic offer me different rates?

Insurance companies take a look at several different factors when calculating the rates they charge drivers. Things such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Bristol West and Uaic calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Bristol West or Uaic is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Bristol West or Uaic at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.